Credit Acceptance (CACC) EBITDA Margin (2010 - 2026)
Credit Acceptance's EBITDA Margin was 6.61% in Q3 2026, down 40.09 percentage points from 46.70% a year earlier and down 41.30 percentage points from the prior quarter.
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Analysis
Credit Acceptance (CACC) EBITDA Margin (2010 - 2026) Analysis & Trends
On a trailing twelve-month basis, Credit Acceptance's EBITDA Margin was 37.87% through Sep 30, 2026, down 9.37 percentage points year-over-year; for FY2025, it came in at 45.52%, up 9.60 percentage points from FY2024.
- EBITDA Margin shows a five-year change of -0.32 percentage points (FY2020 to FY2025).
- In earlier years, EBITDA Margin was 35.92% in FY2024 (+1.18 pp), 34.74% in FY2023 (-14.59 pp), 49.33% in FY2022 (-28.87 pp) and 78.20% in FY2021 (+32.35 pp).
- The Q3 2026 figure marks the lowest quarterly EBITDA Margin since Q1 2020.
- Compared with a year earlier, EBITDA Margin was higher in six of the last eight quarters, with an average year-over-year change of +2.90 percentage points.
- The best year-over-year quarter for EBITDA Margin over five years was Q2 2025 (a gain of 31.15 percentage points); the worst was Q2 2022 (a drop of 49.76 percentage points).
- Per Business Quant data, CACC's EBITDA Margin in the three quarters before Q3 2026 was 47.91% (Q2 2026), 49.88% (Q1 2026) and 47.75% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 44.58% |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | - |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 83.49% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 47.01% |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 22.34% |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | 52.57% |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Credit Acceptance | 5.41 Bn | 5.36 Bn | 577.00 Mn | 6.61% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 6.61% |
| Jun 30, 2026 | 47.91% |
| Mar 31, 2026 | 49.88% |
| Dec 31, 2025 | 47.75% |
| Sep 30, 2025 | 46.70% |
| Jun 30, 2025 | 41.57% |
| Mar 31, 2025 | 46.10% |
| Dec 31, 2024 | 54.80% |
| Sep 30, 2024 | 40.81% |
| Jun 30, 2024 | 10.42% |
| Mar 31, 2024 | 36.61% |
| Dec 31, 2023 | 41.07% |
| Sep 30, 2023 | 36.38% |
| Jun 30, 2023 | 20.32% |
| Mar 31, 2023 | 41.34% |
| Dec 31, 2022 | 47.65% |
| Sep 30, 2022 | 36.95% |
| Jun 30, 2022 | 40.99% |
| Mar 31, 2022 | 71.89% |
| Dec 31, 2021 | 71.22% |
API Access
Credit Acceptance EBITDA Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebitda-margin&ticker=CACC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebitda-margin", "ticker": "CACC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebitda-margin&ticker=CACC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();